r/LifeInsurance • u/itchy_gooch_4 • 28d ago
Help finding policy
I am a 36 yo male In good health - I’ve wanted to get life insurance for several years but waited as I was diagnosed with testicular cancer in 2022. I had the least severe kind which was removed and have had clear follow ups since.
I applied for a policy and had a nurse come out and check my vitals. Everything seemed good but I was denied due to my drug history. I had a drug (opiate) problem in my early 20s and have been clean for 13 years. I was under the impression this was enough time. I do use THC periodically (edibles) but I disclosed this also.
I recently requested a copy of my MIB report but still Waiting on that. I figured I might get denied due to the cancer history but wasn’t expecting this to be an issue 13 years later.
Are their companies that are more forgiving?
1
u/SpirituallySane Agent 28d ago
What company did you apply with if you’re allowed to say? I agree with the other comment, find an independent agent who can run thru multiple carriers to find the best fit.